I agree down to 40m is generally regarded as recreational diving. It is the holiday makers or dive centers own insurance that puts on additional conditions or depth limits. One of that largest, possibly the largest holiday insurers in the UK limits scuba to 30 m on their typical policy. One dive centre I dive with on Lanzarote limits their dives to 30m, another requires additional insurance for dives between 30 and 40m. In Madeira they insist on a computer for dives over 20m, the outfit I dive with on the Algarve certainly insist on a computer over 30m and I think 20m.